A-Choice
一键询价

Supply Chain Finance

Proprietary capital · state-platform funding

Backed by proprietary capital and state-owned platform funding, we provide purchase-financing, inventory pledge, receivables factoring and customs guarantee facilities against verified trade flows — capital and title of goods moving in a single closed loop.

ONLINE QUOTE
Tell us about your orders, warehouse receipts or cargo in transit — limit, pricing and tenor in one answer. Proprietary capital plus state-platform capital.
Freight advance / buy-and-payInventory pledge / receivables financeLimit issued in 3 working days once documents are in
Apply for a facility→

What we handle

Purchase financing and advance payment
Inventory pledge and warehouse receipt finance
Receivables factoring
Customs guarantees in place of cash deposit

Facilities

No published products yet — send an application and a specialist will pick it up

Where it applies

Freight advance
Booked shipments with ocean, air or rail freight due before your customer pays.
Facility size：CNY 100k – 5m per shipment · Tenor：30 – 90 days
Buy-and-pay
Downstream order signed, funding needed to pay your supplier, goods and cash in a closed loop.
Facility size：CNY 1m – 30m · Tenor：60 – 180 days per facility
Inventory pledge
Goods already in a warehouse (yours or our city depots) — turn stock into working capital.
Facility size：50% – 70% of cargo value · Tenor：3 – 12 months, draw and repay flexibly
Receivables finance
Shipped and invoiced, overseas buyer on 30-90 day terms, cash needed earlier.
Facility size：70% – 90% of receivables · Tenor：Matches the invoice tenor, revolving
L/C and bill discounting
Funding after L/C presentation on export, or a facility to open an import L/C.
Facility size：Based on L/C or presentation amount · Tenor：30 – 180 days per transaction
Customs guarantee
A guarantee instead of a cash deposit at import, freeing up tied capital.
Facility size：Set against assessed duty · Tenor：As required by customs

Funding sources

Proprietary capital
Flexible and fast to decide — suited to short freight advances and bridging needs.
State-platform capital
Cheaper and longer tenor — built for buy-and-pay and large-scale commodity trades.
Partner banks
Letters of credit, bill discounting and customs guarantees run through banks, widely accepted by overseas counterparties.

How it runs

1Same day
Apply
Fill in the form below — ten minutes, no documents needed yet.
21 business day
Scope the deal
Commercial and risk teams walk through it with you: what the cargo is, where the documents sit, when the money is needed, what repays it.
31 – 3 business days
Documents and diligence
Submit the checklist, while we run credit checks, verify the trade background and inspect cargo or warehouse.
41 – 2 business days
Approval and signing
Limit, pricing, tenor and security agreed in one go — everything goes in the contract, nothing verbal.
5Funds T+1
Drawdown
Draw per shipment, repay early or at maturity; we keep watching cargo in transit and stock levels.

Documents to prepare

Company basics
  • Business licence
  • Legal representative ID
  • Articles and shareholding structure
  • Financial statements, last two years
  • Credit check authorisation
Trade background
  • Sales contract or purchase order
  • Invoice and packing list
  • Bill of lading / waybill / warehouse receipt
  • Customs declaration (import & export)
  • List of buyers and suppliers
Security (as applicable)
  • Proof of title to goods
  • Warehouse supervision agreement
  • Receivables assignment notice
  • Guarantor information
  • Property or equipment ownership certificates

Apply for a facility

Used for credit assessment only and never disclosed. Ten minutes to complete; documents come later.

Common questions

Where does the money come from?

Two channels: proprietary capital and state-platform capital, supplemented by partner-bank lines. Every facility is extended by a licensed institution — we do not run a funding pool or take public deposits.

What does it cost?

Priced by scenario, tenor and security, typically 6% – 12% p.a.; unsecured sits at the top, inventory and receivables-backed at the lower end. You get a firm quote after applying — no fee to see the offer.

Can I borrow without collateral?

Yes. Freight advance and buy-and-pay are trade-backed, so real orders and cargo movement matter more than property — security is only added for larger amounts or longer tenors.

How fast is the money?

First facility is usually approved within 3 working days of complete documents, with drawdown at T+1. Repeat drawdowns run on a fast track and can complete the same day.

Does it affect my credit record?

Approval requires a corporate credit check (which leaves an enquiry record), and performance is reported as agreed. Timely repayment builds a positive record; we flag maturities in advance and arrears are reported honestly.

How are cargo and stock controlled?

Goods go into our depots or a supervised third-party warehouse under a control agreement with regular stocktakes; in-transit cargo is reconciled against bills of lading and customs data, with any exception reported within 24 hours.

Service contract

Standard contract text is generated automatically for this service type. Review the sample first, or sign in to generate a contract with your company details.

查看合同范本
Talk to a specialist
Send us your cargo details and we will come back with a routed, priced plan.
Get a quote
INSIGHTS

Market updates

Updated daily · matched with your shipment

All news →